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**ONLY** IF YOU HAVE BEEN F/R'D BY AMEX


breeze
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Anonymous Survey  

219 members have voted

  1. 1. How many AmEx cards?

    • 1
      80
    • 2-4
      117
    • 5-9
      16
    • 10 or more
      6
  2. 2. Highest limit

    • Less than $5,000
      65
    • $5,000-$9,999
      39
    • $10,000-$24,999
      71
    • $25,000-49,9999
      25
    • $50,000-$99,999
      9
    • over $100,000
      10
  3. 3. Member since

    • Less than 1 year
      98
    • 1-5 years
      77
    • 5-10 years
      20
    • More than 10 years
      24
    • 0
  4. 4. New Accounts just prior to F/R

    • No new accounts
      93
    • 1-3 new accounts
      99
    • 4-6 new accounts
      18
    • 7-10 new account
      6
    • more than 10 new accounts
      3
  5. 5. Overall utilization just prior to F/R

    • Less than 10%
      74
    • 11-30%
      65
    • 31-50%
      26
    • 51-70%
      22
    • 71-90%
      24
    • 100% or over limit
      8
  6. 6. Do you carry a balance on at least one AmEx card?

    • Always
      76
    • Sometimes
      70
    • Never
      73
  7. 7. Did you pay off a balance you had been carrying?

    • Yes - all in one big payment
      58
    • Yes - in a series of large payments
      31
    • Yes - in regular payments over at least a year
      13
    • No
      117
  8. 8. Did you recently stop charging on all your AmEx accounts

    • Yes - I had a special BT rate
      14
    • Yes, I started using another card for regular purchases
      33
    • No, I never used AmEx as my card of choice
      26
    • No, I was charging normally
      146
  9. 9. Did something cause a sudden drop in your score just prior to F/R

    • Yes - I know what caused the drop
      36
    • Yes - I don't know what caused the drop
      5
    • No, my scored had not changed, or went up
      147
    • I have no idea
      31
  10. 10. I had high utilization

    • Yes but not on AmEx
      46
    • Yes, including AmEx
      44
    • No, but AmEx had high utilization
      32
    • None of my cards had high utilization
      97
  11. 11. Reported missed payments/over limit - 6 months prior to F/R

    • I had missed a payment on AmEx
      12
    • I had missed a payment on another card
      7
    • I had gone overlimit with AmEX
      8
    • I had gone over limit on another card
      1
    • Both on AmEx
      2
    • Both on another card
      1
    • I had perfect history the prior 6 months
      188
  12. 12. Derogs

    • I had disputed a derog in the last year
      54
    • I had disputed derogs more than a year ago
      10
    • I have not had any derogs to dispute in the last 2 years
      124
    • I don't know
      31
  13. 13. Did/did not dance

    • I danced a lot
      10
    • I dance a little bit
      7
    • I danced once or twice
      12
    • I never danced
      60
    • What's "dancing?"
      130
  14. 14. Something I don't want to talk about (i.e. lied on application, lost job, etc)

    • Yes, there's something hinky not covered in this survey
      23
    • Nothing hinky that I know of
      182
    • Don't want to discuss it, leave me alone
      14
  15. 15. Compliance

    • I could have complied, but refused on general principles
      51
    • I tried to comply, but something went wrong
      13
    • I complied and AmEx is treating me like royalty now
      33
    • I complied and my treatment by AmEx has not changed
      83
    • Don't ask, it's all bad
      39
  16. 16. Employment/Income

    • I am self employed less than 2 years
      16
    • I am self employed more more than 2 years
      45
    • At the same full time job for less than 2 years
      47
    • At the same ful ltime job more than 2 years
      95
    • I am employed part time
      5
    • I am not employed (housewife, student, whatever)
      11


Recommended Posts

Got Finacially Reviewd by amex today, 3 accounts opened in 2 months total credit line 6k...I declined the review...I purchase business and owners are reluctant to release taxes for 300k, why would I release it for 6k....dont know if it was the new accounts that triggered it or the fact my Exp was frozen, it would seem that it was the new accounts alone, but I have been told that Amex soft pulls several times after new account opening. With the Exp credit freeze I couldn't even pull my own credit report...oh well...

Here are some other things I did that may or may not have triggered FR, I paid my balance every time a charge posted. I connectd 2 cards to my account before I recieved them. I established auto pay on each account even the ones I hadn't received. The last actions I made before FR...made $4 balance payment at 3am, 4am attempted to use card received earlier in the day. Payment didn't go through, thats when I found out account was locked.

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Got Finacially Reviewd by amex today, 3 accounts opened in 2 months total credit line 6k...I declined the review...I purchase business and owners are reluctant to release taxes for 300k, why would I release it for 6k....dont know if it was the new accounts that triggered it or the fact my Exp was frozen, it would seem that it was the new accounts alone, but I have been told that Amex soft pulls several times after new account opening. With the Exp credit freeze I couldn't even pull my own credit report...oh well...

Here are some other things I did that may or may not have triggered FR, I paid my balance every time a charge posted. I connectd 2 cards to my account before I recieved them. I established auto pay on each account even the ones I hadn't received. The last actions I made before FR...made $4 balance payment at 3am, 4am attempted to use card received earlier in the day. Payment didn't go through, thats when I found out account was locked.

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Wife got FR'd this morning because yesterday I asked if her member date could be made to match mine. Rep was like sure I will have that member date updated...thanks Amex

:o You might wanna take it easy on Amex for a while..

lol I know right...all this just to see the benefits of backdating...funny thing my AAOA increased because of amex but my wifes ficos are all higher than mine even without D*. We have similar files except that my AAOA is older and she has a ton more inquires ???

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Wife got FR'd this morning because yesterday I asked if her member date could be made to match mine. Rep was like sure I will have that member date updated...thanks Amex

:o You might wanna take it easy on Amex for a while..

lol I know right...all this just to see the benefits of backdating...funny thing my AAOA increased because of amex but my wifes ficos are all higher than mine even without D*. We have similar files except that my AAOA is older and she has a ton more inquires ???

Girl Power Conspiracy? :D

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  • 4 weeks later...

I have an AMEX BLUE and a GOLD card since 2001.



Never knew about churning, etc until 6 months ago. So regular spending for over a decade.


And I still haven't done anything but regular purchases on them. (Much less now.)



Just backdated both successfully to 1992 in early August.



Have a $12,900 limit on BLUE and hit the CLI button in September. Have read that up to 3x is possible and recommended so asked for $36,000.



I believe original credit limit was $6,000 - $7,000 and automatic CLI over the years brought it up.



No instant approval.



Received letter requesting past 2 years tax return. (Needed to fill in 4506-T and fax. Which I did.) 2 weeks later approved for $35,000.


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Our of curiosity, is an "optional" request by Amex for 4506-T in response to a CLI request still considered a F/R? Letter says if I don't respond, CLI request will simply be closed out without further action. (No real issue in responding with requested form, but don't intend to follow through ... simply prefer that Amex not get that "personal" at this time.)

 

As a reference point, have 2 cards currently at $13K and $19K.

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  • 3 months later...

American Express is risk averse. If you buy gift cards, request CLI's a lot, purchase unusual amounts of jewelery, change your payment habits, or otherwise run afoul of their metrics they will fr you. They aren't in business to run off good customers. They want to catch you before you become a bad one.

 

Sent from my SCH-I545 using Tapatalk

 

 

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  • 2 weeks later...
  • 3 weeks later...

I'm going to ask for a 3x increase if it's still a soft pull, (been gone a while, not sure how it works anymore) I'll update here if I get FR'd again

did you really get FR'd after a CLI request or was it just a 4506T request?

 

I've had both. very different.

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I'm going to ask for a 3x increase if it's still a soft pull, (been gone a while, not sure how it works anymore) I'll update here if I get FR'd again

did you really get FR'd after a CLI request or was it just a 4506T request?

 

I've had both. very different.

You only get a 4506T if it's 25K or higher, right?

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